FHA Loan Limits in Washington County, Virginia (2026)
From Washington County, FHA buyers in Washington County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Washington County, from Washington County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
What can you buy with FHA in Washington County?
With Washington County's median sale price estimated near $375,000 (think Washington County), the FHA down payment is roughly $13,125. Factoring Virginia property taxes near 0.82%, expect about $2,806 monthly, pointing to income near $109,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Washington County
Here is what an FHA payment looks like at three Washington County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $270,000 | $9,450 | $2,053 |
| Local median — $375,000 | $13,125 | $2,806 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Washington County too — get notified.
In Washington County and the surrounding Washington County market, FHA's appeal is the math: $13,125 down on a $375,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Washington County
Looking at a duplex or fourplex near Washington County? FHA allows up to $692,997 on two units and $1,041,072 on four in Washington County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Washington County for 2026?
- In Washington County (Washington County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Washington County with FHA?
- For a median-priced ($375,000) Washington County home, plan on income around $109,000 at a 31% housing ratio — about $2,806/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washington County?
- 3.5% with a 580+ score — roughly $13,125 on a $375,000 Washington County-area home. Gift funds are allowed.
- Is Washington County a high-cost FHA area?
- No — Washington County uses the $541,287 national floor for one unit.